Bridge or Elevated Highway Construction--Iron or Steel

What Does GL Code 91265 Cover?

ISO GL class code 91265 specifically covers general liability for contractors engaged in the construction of bridges or elevated highways using iron or steel. This includes all operations related to the fabrication, erection, and installation of structural steel components for these large-scale infrastructure projects. The classification encompasses the inherent risks associated with heavy construction, working at heights, and the use of specialized equipment.

Who Uses This Class Code?

Businesses that primarily undertake the construction of steel bridges, elevated roadways, overpasses, and similar large structural steel projects fall under this code. This includes structural steel contractors, bridge builders specializing in metal structures, and heavy civil construction firms with a focus on steel infrastructure.

Common GL Claims for This Class

Common general liability claims include property damage to existing infrastructure during construction, bodily injury to third parties from falling debris or equipment malfunctions, and structural integrity issues leading to collapse or failure after completion.

Coverage Tips for Code 91265

• Ensure your policy includes adequate limits for contractual liability, as many public works projects require specific indemnification clauses.
• Verify that your general liability policy includes coverage for 'XCU' (Explosion, Collapse, Underground) hazards, which are common in heavy construction.
• Implement a robust subcontractor management program, requiring all subcontractors to carry their own GL insurance and name your company as an additional insured.
• Be aware of Florida's specific requirements for construction defect claims, as the statute of repose can impact long-term liability for structural work.